In current economic conditions many Americans are finding the increasing need for more and more credit. The easiest way to get your hands on credit is with credit cards but what do you do when you can’t get approved for one? The answer is simple: online instant approval credit cards. These are a great option for someone who has exhausted almost all of their other options and can be your saving grace when you find yourself in a bind.

It is really not very hard to get a credit card for bad credit; you need to find an online service that offers them (there are hundreds), submit your information, read their terms and receive your card within a few days. Sometimes the rates on these cards are a little higher than usual but there are services that rival most major credit card companies and will provide you with a convenient line of credit without hassle.

Credit cards are great if you think that you will be able to pay your debt in a reasonable amount of time but if you need a large amount of money or a longer amount of time to pay it off a credit card might not be the best solution. When you find yourself in a bind and don’t think that a credit card is a responsible solution, you might want to consider a loan. Getting a loan for bad credit is fairly simple; you will need to apply (you will be almost automatically approved) and the company will give you the money by check, bank transfer, or sometimes even with cash.